MACRO LAB
Mortgage Rate Demand & Affordability Lab
Benchmark Source:
@Cointelegraph 6.78% Fixed Rate & -5% YoY Demand Alert
Monthly P&I Payment
$2,186
+ $119/mo vs 6.25% Ref
Max Buying Capacity (36% DTI)
$528,700
-$32,400 (-5.8%)
Demand Contraction (YoY)
-5.00%
Est. 95.0 Index (Base 100)
30-Yr Lifetime Interest
$450,960
134.2% of Original Principal
Macro Stress Parameters
Reset Baseline
6.78% Current Spike
6.00% Fed Easing
7.50% Inflation Peak
3.00% 2021 Low
30-Year Fixed Mortgage Rate (%)
6.78%
Target Median Home Price ($)
$420,000
Down Payment (%)
20%
Household Annual Income ($)
$115,000
Max Qualifying Front-End DTI Ratio (%)
36%
Loan Amortization Term (Years)
30 Yrs
Debt Service & Elasticity Curve (3.0% - 8.5% Rate Spectrum)
Active: 6.78%
Purchasing Power Matrix across Household Income Tiers
At 6.78% Interest
Income Tier
Monthly Cap
Max Loan (@ 6.78%)
Max Home Price
Purchasing Power vs 6.25%
Export Full JSON Audit
Export Matrix CSV
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